| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $817 | $817 | 0.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $546 | $546 | 0.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $396 | $396 | 0.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2 PARK PLAZA SUITE 440 IRVINE, CA 92614 | HARTFORD LIFE AND ACCIDENT | — | $23K | $23K | 16.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $498 | $498 | 0.35% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $188 | $188 | 0.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $28 | $28 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES IN | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $65 | $65 | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES IN | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $53 | $53 | 0.25% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 341 | $1.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,401 | $56K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 776 | $325K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 776 | $158K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $188K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 341 | $1.9M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 776 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,401 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.